Everything in Swertehon
You lend in person — the app records borrowers, loans, collections, and profit. Full feature list for when you're ready to go deeper.
Features to start or grow your lending business
Swertehon does not lend money — it gives you the tools to record borrowers, collections, and profit.
Borrower records
One place for every borrower, ID on file, loan agreement, and payment — no more digging through notebooks and chat history.
Daily collection
Collection sheet plus morning email so you know who to visit — Maps and tap-to-call right on the list.
Profit statistics
Portfolio value, profit after losses, and collection efficiency — so you know whether your capital is working.
Features that help your lending business grow
Collection day is when you get paid
Your daily list when you visit borrowers — plus a morning email on trial so you know who to collect before you leave home.
Collection sheet
See who owes today — current due plus arrears. To-collect and cleared tabs. Week strip for any date.
Collect cash
Enter the amount, confirm, and it's recorded. Cleared borrowers show paid time on the sheet.
Maps & tap-to-call
Open Google Maps from the collection card — address saved on the borrower file, one tap in the field.
See what you earned
When collections are logged, profit isn't a guess — see interest earned, late payments, and what's still out in the field.
Profit by period
Pick any month or year — see realized profit, collection rate, and how much is still out in the field.
Late payments at a glance
See who is behind and how much is overdue — drill into any month without spreadsheet formulas.
Excel export
On Statistics, pick your date range and download one .xlsx: borrowers, loans, payments, capital, P&L, and arrears aging.
Borrowers request online — you approve into a loan
Build the apply form, share a link, review submissions, and open a loan with terms already agreed.
What borrowers see
Form builder
Turn fields on or off — ID upload, co-maker, promise pay date, references, and more. Copy or regenerate your link anytime.
Terms on the form
Optional schedule preview before submit — borrowers see payment dates and amounts when you enable loan terms on the form.
Review in your inbox
Pending, accepted, and rejected tabs. Approve into a new loan with locked terms from the application.
Every loan built on a real schedule
5-6 style lending — principal, interest, daily/weekly/monthly payments, and a full due-date table before cash moves.
Loan calculator
Set principal, rate, duration, and frequency — see every due date and amount in a live schedule preview.
Penalties and early discounts
Optional per loan — charge for missed deadlines or reward early payers. Partial payments keep arrears visible.
Loan agreement PDF
Download a built agreement with terms and schedule. Upload the signed copy and keep it on the loan.
When a loan goes off track
Overdue loans don't have to stay a mystery — roll forward, write off with reason, or fix a logged payment.
Roll into a new contract
Carry the overdue balance into a fresh loan with an updated schedule — no guesswork on what's still owed.
Write off with reason
Close uncollectable loans — Statistics shows principal lost vs income foregone in your profit report.
Payment log with reversals
Fix mistaken entries with a reversal trail — history stays intact instead of deleting collections.
Know how much you can lend
Track your capital pool, cash in the field, and available cash — tied to profit in Statistics.
Capital injections and withdrawals
Record when you add lending money or take cash out — immutable history with memos on withdrawals.
Circulation vs available cash
See what's still out on active loans and how much you can deploy on the next borrower.
Implied capital prompt
When a new loan exceeds available cash, Swertehon offers to record the shortfall before you confirm.
Reminders reduce missed payments
Lender digests and borrower application updates — with payment reminders rolling out.
Morning email to lender (trial)
Wake up to who is due today — included free for 7 days before you leave for collection.
Afternoon email + lender SMS (paid)
Second digest and optional text summaries — morning and afternoon, straight to your phone.
Borrower application updates
When you accept or reject an application, borrowers get email or SMS if they consented on the form.
Borrower payment reminders
SMS or email before due dates — rolling out so borrowers know when to pay and you miss fewer collections.
Borrower records in the field
Who borrowed, where they live, ID on file, and proof of every payment — from your first borrower.
Borrower file
Name, phone, address, and notes in one place. Optional photo so you recognize them on collection day.
ID on file
Optional ID scan stored with the borrower. You attest before saving — your record, your responsibility.
Find them in the field
Save address and a Google Maps link. Open Maps or tap to call straight from your collection sheet.
Payment record
Log each collection with amount and date. History stays on the loan; fix mistakes with a reversal trail.
Watch your lending business grow
Your capital can earn through interest — Swertehon tracks portfolio value and profit so you know it's working.
Interest earned (lifetime)
₱52,400
Portfolio value
₱285,000
Collection efficiency
94% this period
When you see profit clearly, you lend again with confidence — because the records are right.
Why records matter
Profit in small lending comes from collecting on time and knowing your numbers — not from guessing at the end of the month.
Notebook chaos
Scattered entries, missed collection days, no idea if you're actually earning after expenses and bad loans.
With Swertehon
Amortized schedule, payment log, daily collection sheet, and profit by period — all in one ledger.
The result
Collect on time, spot late payers early, and lend again with confidence because you know your profit.
Four habits of a profitable small lending business
You can start solo with low overhead — profit comes from daily collection and proper records. Swertehon gives you each step.
Attract
Share an apply link on Facebook or chat. Borrowers submit requests with terms they can see upfront.
Agree
Preview the schedule, download a loan agreement, and keep a signed copy on the loan before cash moves.
Collect
Wake up to your morning list. Visit borrowers, log cash, and track late payments on your daily sheet.
Measure
Statistics shows profit, late payments, and trends for your chosen dates — export the full report to Excel from the same page.
Your records. Your business. Protected.
Built for lenders who take documentation seriously.
Private document vault
Borrower IDs and signed agreements stored in secure private storage — attached to the right loan, not lost in your gallery.
Immutable payment history
Every collection logged with date and amount; fix mistakes with a reversal trail, not deleted entries.
Secure sign-in
Passwordless magic-link access — no shared notebook anyone can copy.
You stay in control
Your borrower data is your responsibility; Swertehon gives you the structure to manage it professionally.
~₱33/day after trial
Try free for 7 days — then about ₱33/day for the ledger that protects your income
Full ledger on trial including morning collection email. Paid plans add afternoon follow-ups and lender SMS. Borrowers get application updates today; due-day reminders rolling out.
No payment to start · Morning collection email included
- Trial: full ledger + shareable apply links + morning collection email
- Paid: everything in trial + afternoon email + lender SMS reminders
- Borrower email/SMS when you accept or reject an application (with consent)
- Borrower payment due-day reminders — rolling out
- Borrower files with address, phone, and Maps link
- Built loan agreement (PDF) and upload signed copy per loan
- Immutable payment log with reversal trail
- Daily collection sheet with arrears breakdown
- Loan calculator with full schedule preview
- Penalties, early discounts, and partial payments
- Roll-over and write-off for overdue loans
- Profit tracking, full statistics, and Excel export
30 days
~₱33/day
₱999 billed every 30 days
90 days
~₱30/day
₱2,699 billed every 90 days
GCash or Maya billing coming soon — email us to subscribe early.
Less than the cost of one missed collection.
Questions or ready to subscribe? Email us — GCash or Maya billing coming soon. support@swertehon.app
Frequently asked questions
- Is Swertehon a lending app?
- No. Swertehon does not lend money — you do, in person. It is a recording tool and ledger app: track borrowers, loans, payments, and profit so you can start or grow your own lending business.
- Is it safe to lend with Swertehon?
- Swertehon does not lend money — you do. The app helps you lend more safely with written schedules, signed agreements on file, ID storage, a permanent payment log, and profit reports so you spot trouble early. You choose who to lend to and how much; Swertehon gives you the ledger to stay organized and informed.
- What app can I use to track daily lending collections in the Philippines?
- Swertehon is built for solo lenders in the Philippines. It gives you a daily collection sheet showing who owes today, late payments, Maps links, tap-to-call, a permanent payment log, profit by period, and a morning email digest on trial.
- Can borrowers apply for a loan online?
- Yes. Create an application form in Settings, share the link, and borrowers submit without logging in. You review in your Applications inbox and approve into a loan with terms from the form.
- Does Swertehon email me who to collect today?
- On the 7-day free trial you get a morning email with your collection list. Paid plans add an afternoon follow-up and optional lender SMS reminders.
- Can Swertehon text or email my borrowers?
- Yes for application decisions — when you accept or reject an online application, borrowers who consented receive email or SMS. Payment due-day reminders by email or text are rolling out so borrowers know when to pay.
- How do I record 5-6 style loans and see my profit?
- Create a borrower, set principal, interest, and term (daily, weekly, or monthly). Swertehon builds the full schedule, tracks each payment, and shows period profit, late payments, and capital in Statistics.
- Is Swertehon free to try?
- Yes. New accounts get a 7-day free trial with no payment to start — full ledger plus morning collection email. After the trial, plans are about ₱33 per day.
- How is Swertehon different from a simple utang notebook app?
- Notebook apps track a running balance. Swertehon is a ledger app for lending businesses: apply links, amortized schedules, daily collection, loan agreements, capital pool, and profit you can see — not just credit and debit entries.
- How does the capital pool work?
- On Profile you record capital you add or withdraw. Swertehon shows cash in circulation on active loans and available cash you can lend. Write-offs affect profit reports but not the pool automatically — withdraw manually if you removed cash from lending.
- What is roll-over vs write-off?
- Roll-over moves an overdue balance into a new loan with a fresh schedule — the old loan closes without a loss entry. Write-off closes the loan as uncollectable with a reason; Statistics shows principal lost and income foregone in your profit report.
Ready to track your lending business properly?
Whether you're starting a side hustle or fixing notebook chaos — 7-day free trial with morning collection email included.
7-day free trial · No payment to start